According to a report published this week by the mortgage purchasing entity, Freddie Mac, the reference 30-year mortgage rates in the United States increased from 6.43% to 6.50% at the end of the second week of July.

For its part, the 15-year fixed mortgage interest rate also increased from 5.79% to 5.82%. For Sam Khater, chief economist at Freddie Mac, “mortgage interest rates have not changed much recently, but economic growth and housing affordability continue to improve for buyers looking for a home in the current market,” he said.

Although mortgage rates have fluctuated in recent months due to geopolitical tensions and soaring inflation, a recent report from the National Association of Realtors (NAR) indicated that the housing market is not yet in its best condition.

According to NAR figures, during the month of June there was a 1.8% increase in home prices, reaching $440,660, compared to $432,700 a year ago, meaning the affordability crisis continues, which could continue to keep future buyers away from the market.

In this regard, Danielle Hale, senior economist at Realtor.com, said that "in the face of both known and new challenges, the economy has proven to be resilient. As a result, the first half of 2026 offered more stability than dynamism in the real estate market," she said.

Recently, Realtor.com also published its market report, stating that for the second half of this year home prices could fall 1.2%. Hale, in this sense, believes that the real estate market will advance slowly as sellers adjust their expectations, price growth moderates and buyers gain greater bargaining power,” he said.